Modra zavarovalnica, d.d.

Assistance call deadline

If you fall seriously ill, are seriously injured, need hospital treatment or transport home, you must notify the assistance centre immediately, or as soon as possible, by phone (+386 1 47 18 777) or email (tujina@vzajemna.si).

Unauthorized treatment

The insurer's obligations cease if the insured refuses the proposed emergency treatment, transport home, or other services organised by the insurer.

Purchase while abroad

The insurance must generally be concluded before departure abroad while the insured is in Slovenia or their country of permanent residence; by agreement it can also be concluded on the day of departure, or while already abroad, provided the insured event has not yet occurred.

Chronic conditions

A chronic disease is defined as a long-term, usually recurring condition causing permanent health consequences and requiring long-term monitoring, treatment and care (e.g. diabetes, hypertension, asthma, cardiovascular disease, lupus). Only the emergency treatment of an acute exacerbation of a chronic disease is covered; regular/ongoing treatment of the chronic disease itself is excluded.

Pregnancy

Under the base emergency-only clause, pregnancy-related costs, routine check-ups, complications and childbirth are excluded except to save the life of mother or child. Under the extended "nujne in potrebne" clause, medically necessary pregnancy care and childbirth are covered, subject to a 6-month waiting period if the pregnancy did not exist at policy inception.

Pre-existing condition exclusions

The insurer's obligations are excluded for illnesses, health conditions and injuries that existed before departure abroad, or appeared before departure and were not fully resolved by the departure date.

Coverage duration limit

Multitrip cover applies to an unlimited number of departures within one insurance year, but cover for each individual trip lasts a maximum of the first 90 days. Family policies can include at most two adults under 75, with children/stepchildren/grandchildren covered up to age 26. The extended "nujne in potrebne" clause can be taken out for persons up to and including age 80.

Flight cancellation and delay coverage

Optional additional package 'Prtljaga plus' provides protection for flight cancellation or delay

Baggage protection

Optional 'Prtljaga plus' package covers loss, delay, or theft of luggage and personal documents

Doctor chat service

Optional service providing chat consultation with a doctor 24 hours a day, 365 days a year via various chat platforms for non-urgent health advice

Accidental death and disability

Optional additional coverage for accidental injury abroad, providing payment for permanent disability or death resulting from accident requiring surgery

Geographic coverage area selection

Insured must select coverage area at policy inception: worldwide coverage or Croatia-only family coverage

Mandatory immediate assistance center notification

Insured must immediately notify assistance center in case of serious illness, injury, hospitalization, or transport to home country

Claim submission deadline

Claims for benefit must be submitted to insurer within three (3) months of returning to home country

Premium payment timing

Coverage begins the day indicated on policy if premium is paid by that date; exception: if agreed upon, coverage for departure day can begin if entire premium paid immediately on departure day

Chronic illness coverage limitation

Chronic illness is defined as long-term, recurring condition with permanent health consequences requiring special training, rehabilitation, long-term monitoring, treatment and care

Medical necessity requirement

All performed health services must be medically indicated and justified; services must be necessary and not elective